Having a lump sum is comforting.
Knowing it will last for life is priceless.
Many people reach a stage where accumulation is done.
What they need now is certainty, simplicity, and peace of mind.
At PaisaNurture, our Certified Financial Planners (CFPs) help you convert lump-sum money into guaranteed lifetime income through thoughtfully structured Annuity Plans — designed for you, your spouse, and your stage of life.
The Uncomfortable Truth
Why Lump Sums Often Create Anxiety After Retirement
A large corpus doesn’t automatically mean financial comfort.
Common concerns we hear:
- “What if I spend too fast?”
- “What if markets fall?”
- “What if I live longer than expected?”
- “What happens to my spouse?”
Without structure, lump sums create decision fatigue — not freedom.
Annuity planning replaces uncertainty with predictable income.
PaisaNurture Philosophy
Annuities Are About Stability — Not Maximising Returns
At PaisaNurture, we don’t position annuities as growth products.
We believe:
- Retirement needs income certainty first
- Not every rupee should remain market-linked
- Peace of mind has value beyond returns
- A portion of retirement money must be boring, stable, and predictable
Annuities play a specific role — not a universal one.
Who Annuity Planning Is Especially Relevant For
Annuity planning becomes critical when you:
- Have received a large lump sum and want to retire peacefully
- Have received term insurance proceeds after the loss of a spouse
- Have just retired with PF, gratuity, or NPS corpus
- Want to eliminate longevity and market risk
- Prefer income you don’t have to manage actively
When income matters more than growth,
annuity planning becomes relevant.
Our CFP Annuity Planning Framework
How We Think (Without Revealing Structures)
Before suggesting any annuity approach, we evaluate:
- Age of both spouses
- Monthly income required for dignity
- Other guaranteed income sources
- Health, longevity, and dependency factors
- Desire for certainty vs flexibility
- Need for capital protection
Based on this, we help decide:
- Self or joint income continuity
- When income should start
- How capital should be treated
Annuity planning is not about choosing a plan.
It’s about choosing peace.
Key Annuity Decisions We Help You Think Through
Without discussing products, annuity planning involves clarity on:
Immediate vs Deferred Income
- Whether income should start now
- Or whether waiting improves lifetime payout
Self vs Joint Pension
- Income only during your lifetime
- Or continuity for spouse as well
With Capital Return vs Without
- Whether capital should come back to family
- Or be fully converted into income
Each choice impacts:
- Monthly income
- Family security
- Long-term peace of mind
There is no “best” option — only the right fit.
A Situation Many Don’t Talk About
When Annuity Brings Emotional Stability
For families who receive a lump sum after:
- Loss of a spouse
- Sudden retirement
- Unexpected windfall
Annuity planning often brings:
- Emotional calm
- Predictable routine
- Reduced decision stress
- Financial dignity
In such moments, certainty matters more than optimisation.
Who This Is For / Who This Is Not For
This is for you if:
- You want guaranteed income for life
- You don’t want to actively manage investments
- You care about spouse security
- You value peace over maximising returns
This is NOT for you if:
- You want all money market-linked
- You are comfortable with income volatility
- You expect one structure to suit everyone
What Changes After Proper Annuity Planning
Clients experience:
- Relief from market anxiety
- Predictable monthly income
- Confidence to spend without fear
- Clarity for spouse and family
- Simplified financial life
Many say:
“Now I don’t worry about how long my money will last.”
What Working With PaisaNurture Looks Like
- Retirement income clarity discussion
- Lump-sum and dependency assessment
- Annuity role identification
- Self / joint income structuring
- Periodic reviews as life evolves
No pushing.
No pressure.
Only CFP-led, situation-based guidance.
Why Families Trust PaisaNurture
- Certified Financial Planner-led advisory
- Multi-company, unbiased access
- Zero mis-selling commitment
- Long-term retirement relationships
- Trusted during sensitive life transitions
